Saturday, April 14, 2007

Unfortunately for Americans, most major retailers use the trainwreck of a verification system that is Certegy. This list will be updated as my research continues. I'd love to organize a boycott on all of them, but in all honesty that would be pretty difficult for many people.

It's important to understand that the employees of a store don't control whether your check is authorized by Certegy. However, they DO control whether your check is actually accepted. A check can be declined by Certegy and, in some cases, a store may still accept it. (Not often, though.)

Also, many store managers will tell you "it's not our fault, we have no control over it." Not true. A retailer does have the choice whether to use Certegy or not! Too bad so many of them are making the wrong choice...

495 comments:

We do service most casinos as I told you in the other forum, however for the millionth time....WE DO NOT SERVICE WALMART'S PERSONAL CHECKS!!!!!!!!!!! TELECHECK does that, bitch at them for your walmart decline.

Uh huh. What's your point? Nowhere (in this post, anyway) do I suggest that Wal-Mart uses Certegy for personal checks. Their specific use of Certegy is irrelevant. They use the company and the way they use it affects the consumer, often negatively. That's the whole point!

I know that Walmart uses Certegy for payroll cashing. I went in to Walmart and decided to cash my payroll check and get a few items. I worked for Starbuck's at the time. I had previously cashed these paychecks before at walmart with no problem. This day I was informed by the "oh so knowledgeable" walmart employee that the check had been declined and to contact Certegy. When I walked out and called Certegy they informed me that the Payroll check was "flagged" and I needed to have my company contact them to clear up the problem. When asked by me why Starbucks, they had no answer. I contacted the employee help line with Starbuck's and talked to payroll about this problem. They had no clue about Certegy or why that company would deny the checks. I am not sure what happened other than a couple weeks later I was able to cash my check at walmart again. My guess, Starbucks was actually big enough to get Certegy's attention. As for personal checks, I have been denied for no reason so many times now I will walk into a store and ask for a manager and inquire if the store uses Certegy. If the answer is yes, I will inform the management that I will not be shopping there, why i wont spend MY money there and walk out.

"We do service most casinos as I told you in the other forum, however for the millionth time....WE DO NOT SERVICE WALMART'S PERSONAL CHECKS!!!!!!!!!!! TELECHECK does that, bitch at them for your walmart decline."

Harrah's Casino in Maryland Heights Missouri uses Certegy.I have never had any returned checks.I have used this same checking account and same ID for about 2000 checks.I had cashed many checks there.All checks had cleared and never any problem at this Casino, other than Certegy denied my check ,(I believe (one)??? other time for no reason), at which time a Cashier Supervisor approved my check simply by looking at my history there.(I have proof of this as well).Certegy denied my check for no reason.I was pushed down, when attempting to leave, after I had been told if I didn't go (I would be charged with trespass,for no reason).They allowed me to get close to the front door, then blocked my path.I was dragged by my wrist.I was then choked to the point I could not breath, so that I could not call out to others for help or continue to ask them what they wanted me to do.I was dragged another 100 feet by my wrist, no one telling me where they wanted me to go.At one point dragging me towards a Heavy bench, I put my foot on it and pushed off to keep them from slamming my face against it.Each of them pulling at my wrist, different directions.Two security arrived.They each put one of my wrist behind me.I was standing still.Maurice Benzie then reached down and grabbed my lower right leg and jerked it upwards in the air behind me.One second my head was 5'8" off the floor.The next second it was busting into the brick floor, busting my head, blacking my right eye from the outer corner to my nose, injuring my right shoulder.Even while all this was done to me I never touched anyone.Harrah's Casino and others involved in these LIES, even with chopped up Video could not show I ever touched anyone.I was Railroaded through St Louis County Court and charged with Assault and Resisting Arrest.Falsely Convicted because of LIES and chopped up Video.The assault charge was, according to Maurice Benzie, (coaxed by the prosecutor), My cap grazzzzzed him.The resisting was a LIE, because at no point was I ever told I was under arrest or being arrested.I was never even asked for my ID.

Thank you so much for the company list! Please add Limited Too to your list. Today Certegy rejected a $114 check I wrote to purchase a birthday outfit for my daughter. I was, like so many I have found all over the web, frightened, angered and stunned by such an arbitrary rejection of my hard earned money. I am so grateful to you for creating this list. My husband and I work too hard to be subjected to such humiliating treatment. I willingly accept the challenge to shop at Certegy-free establishments.

Went to Bed, Bath and Beyond and also experienced the trainwreck that is Certegy. Frankly, I haven't gone back to BBB because after spending an hour trying to figure out what the problem was with my check (no negative history, as most posters on blog) and then having MY BANK on the phone with customer service to verify funds, they STILL would not approve check. After that, I figured there's nothing they have that I absolutely need. Stupid, since I had used checks before and was a pretty good customer, routinely spending $300 and up each time. Oh well. I'm not expecting to change the way they do business, but I'm not shopping where I feel like a criminal - kind of destroys the whole retail therapy experience. Maybe with the downturn in the economy stores like BBB will rethink their policies as people stop buying neat but really unnecessary stuff...

I was denied by Certegy at Pac Sun, Coach , and Timberland one 3 different days at the same Tanger Outlets. My checks crossed "patterns" that Certegy looks for to deny checks. When asked what those patterns were, I was told "If we told you, then you would know how to get around them to use your checks". WHAT???

I was at the Big Lots in flint Michigan buying a couple items that they has on sale for chirstmas got to the check out line items rang up 114.56 was the total. Since I am waiting on my new debit card because my other one is expired I didnt have enough cash on me at the time and didnt feel like driving 45 minutes to my bank I asked them if they accepted checks and being that I dont use checks but once in a great while I wasnt worried I wrote the exact amount and loaded my bags in the basket I had one of my children with me and then the cashier told me "I am sorry but your check has been declined code 1" what you have got to be kidding me i have never ever written a bad check my husband is in the navy and i am a paralegal we have money So she asked me to remove my daughter from the basket handed me a card and my check. I got to my car called them sat on hold for 2 hours and then was told by there csr its because i have bad checks and she preceted to tell me check numbers i know arent mine 5587 5569 5521 i told her uh and how much pot did you smoke because i dont have any bad checks. She then told me to GROW THE FUCK UP and learn to pay my bills. I was pissed I told her first of all you just broke the law you cannot speak to customers that way and second get your facts right I pay my bills never bounced a check and actually am a decent american. I asked her for proof consering these supposed items she hung up on me I was pissed I went to Meijers got the items and decided what the hell pay by check see whats going on I was declined under CODE 2 this time by Certegy I paid with cash and left after they printed out the deline number on my check the manager told me that cergy normally dosent allow printed codes on the checks and actually discourages companies of doing that but she did it for me because i work at her lawyers law firm I have proof of this bs I called certagy back and was told for 24.99 per yr they would not decline my check anymore and that i would have to fill out there gold application. GIVE ME A BREAK SINCE WHEN DO I HAVE TO PAY TO USE MY CHECKS WHEN I HAVE DONE NOTHING WRONG I am going to talk to a couple of lawyers about sueing certagy for fraud and extrotion why should we pay to use our checks,.

Certegy sucks in my opinion. I went in to cash my payroll check and after I put in my social security number they said they couldn't cash the check. Now I work for a large company who's checks are good trust me and they told me to call the number I did and she wanted the info off the check which I didn't have because I had already cashed it somewhere else.

I just experienced the same thing as what others have posted here today at Target. I've had my same checking account for over 20 years so WTF is going on. I've lived at the same residence since 1987 and have never bounced a check and to have this happen I was just a bit upset. Spoke with the store manager and a total waste of time both in buying there and trying to figure out what was going on. I have a suggestion or thought. How about everyone that is on this post go to each of the stores listed with thid F-in service and fill two carts full of stuff from all over the store. be sure to include meat produce and milk. Then check out and when the check is declined. Tell them oh well and walk out. Make it enjoyable and hopefully it will be a taste day so one can sample food and get your fill(that would make it worth it).

I think a class action suit agaist anyone that uses them and Certegy for incorrect status is in order. How do we get started and count me in.

this week i went to cash my social security check that I cash every month at the everett wal mart,i was told my check could not be cashed. i was given a small white paper, for me to call for explanition,i called the number, the voice said #1 for english or #2 for spanish,so I pressed #1 but the line just went dead,I did this about three times, finally gave up, all I know I will have to pay late fees on my monthly bills, I wonder sometimes if wal mart and Certesy aren't working together to make us buy their cheap visa cards.

http://www.textlinksforum.com/member.php?u=286685 Alright, today it seems like my mom's computer has a virus attack... so I just try to find a way to fix it, but i can't, why? BECAUSE EVERY SINGLE PROGRAM IS INFECTED. I found it hard to believe that everything could be infected and thought it was just an antivirus plot for us to buy something. We don't have really have an antivirus (Just the standard free scan only that come installed every computer) but a thing that keeps popping up is antivirus live or something along the lines of that. Also, the webpage porno.com or .org or something like keeps popping up. I ran it in safe mode but guess what? It isn't safe, we tried installing an antivirus but after it installed, we couldn't use it, it had been affected as well. Before we ran a sweep with spy sweeper and only cookies showed up. Malware bytes antimalware couldn't find anything either? Another thing to note, you know that one spyware/malware that tries to perform a fake virus scan in your web browser and tries to get you to buy it? That's been popping up too.

This Racketeer Company needs to be completely eradicated from business on this planet. They have when i worked for one of their companies they service denied that companies payroll check. This is a company mind you that uses this garbage to deny people who want to write checks. My wife just this morning went to Walmart to load a 3800.79 check on her card and was hit with this code 2. This Check is from a very well known laywer here in the Cincinnati, Ohio area. I will be contacting them today when they open to let them know that this Racketeer is doing this to their customers and maybe they can do something about them.

So Wal-mart cashed a stolen IRS refund check. According to Wal-mart, Certegy "guarantees" payroll checks and tax refund checks. This check was for $2145, and Certegy claims no responsibility. I'm fairly certain that the Wal-mart employee knew the check was stolen.

I had a Payroll check declned at Walmart. When they gave me the paper to call Cetergy, I was told the check couldn't be cashed because my personal checking account was closed. (No duh, thats why I'm cashing my paycheck at Walmart!)

When I tried to explain that it was a Payroll check and not a personal check they said I needed to check with my employer. Fortunately, the bank that my employer wrote the check on, was nearby and I was able to cash my paycheck there. I will make a point of staying away from stores I know use this company.

Certegy has always been a horribly ran company. Morans run the company. You may not think we can boycot these companies but I will and I will notify them why. My check was turned dowm, I have no returned checks and $7000.00 in the checking account. When I contacted Certegy they had no reason for turning my check down. Just wanted to embaress and harass a customer. It was at Academy. I had spent almost $400 there this month but that is my last and I will let them know why.And the certegy employee that was cursing on here shows what type of people run the company.Thanks for the list

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Certegy is complete bs. A lawsuit should be filled and this company should go bankrupt. I work at a very reputable company and they have denied my payroll every week for a month after using them for 4 years straight. I will contribute to a lawsuit if it is available.

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I tend not to create a ton of remarks, however I browsed a few comments here "Companies Using Certegy". I actually do have 2 questions for you if you tend not to mind.Is it simply me or does it look like like a few of these responses look like they are coming from brain dead visitors? :-P And,if you are writing at additional online sites, I would like to keep up with you. Would you make a list of all of your social networking sites like your Facebook page, twitter feed, or linkedin profile?

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